Wheaton Bank & Trust

211 South Wheaton Avenue
Wheaton, IL 60187
(630) 690-1800.
www.wheatonbank.com

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Wheaton Bank & Trust is headquartered in Wheaton and is the 56^th largest bank in the state of Illinois. It is also the 913^st largest bank in the nation. It was established in 1993 and as of March of 2012, it had grown to 69 employees at 4 locations. Wheaton Bank & Trust has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD

Wheaton Bank & Trust Checking Account Rates

Apy	Min	Max	Product
0.10%	$10k	-	NOW Account
0.10%	$10k	-	Platinum Preferrered

Wheaton Bank & Trust Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Statement Savings Account
0.15%	-	-	Passbook Savings Account
0.15%	-	-	Junior Savers Account

Wheaton Bank & Trust Money Market Rates

	Apy	Min	Max	Product
	0.15%	$50k	-	Money Market

Wheaton Bank & Trust CD Rates

Apy	Min	Max	Product
1.50%	$1k	$100k	60 Month Founder CD
1.40%	$1k	$100k	60 Month CD
1.35%	$1k	$100k	48 Month Founder CD
1.25%	$1k	$100k	48 Month CD
1.15%	$1k	$100k	36 Month Founder CD
1.05%	$1k	$100k	36 Month CD
0.75%	$1k	$100k	24 Month Founder CD
0.65%	$1k	$100k	24 Month CD
0.60%	$1k	$100k	18 Month Found CD
0.50%	$1k	$100k	18 Month CD
0.40%	$1k	$100k	12 Month Founder CD
0.30%	$1k	$100k	12 Month CD
0.25%	$1k	$100k	6 Month Found CD
0.20%	$1k	$100k	3 Month Founder CD
0.20%	$1k	$100k	6 Month CD
0.15%	$1k	$100k	1 Month Founder CD
0.15%	$1k	$100k	3 Month CD
0.10%	$1k	$100k	1 Month CD

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Wheaton Bank & Trust
FDIC Certificate #	33803
BankRate Report	View
Year Established	1993
Employees	69
Primary Regulator	FED
Assets and Liabilities
Assets	$729.87 million
Loans	$521.28 million
Deposits	$619.87 million
Equity Capital	$80.42 million
Loan Loss Allowance	$13.41 million
Unbacked Noncurrent Loans	$3.21 million
Real Estate Owned	$2.50 million
Historic Data - March 2011
Assets	$697.45 million
Equity Capital	$76.76 million
Loan Loss Allowance	$7.29 million
Unbacked Noncurrent Loans	$8.54 million
Real Estate Owned	$2.00 million
Profit Margin - Quarterly
Net Interest Margin	3.99%
Return on Assets	0.21%
Return on Equity	1.9%
Interest Income	$7.11 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Wheaton Bank & Trust had $5.71 million in non-current loans and owned real-estate with $93.83 million in equity and loan loss allowances on hand to cover it. This gives Wheaton Bank & Trust a Texas Ratio of 6.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Wheaton Bank & Trust decreased significantly from 12.54% as of March 31, 2011 to 6.09% as of March 31, 2012, resulting in a positive change of 51.48%.This indicates that the balance sheet and financial strength for Wheaton Bank & Trust has improved significantly in recent periods.
Deposit Growth
In the past year, Wheaton Bank & Trust has increased its total deposits by $32.68 million, resulting in 5.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Wheaton Bank & Trust has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Wheaton Bank & Trust has $729.87 million in assets with $93.83 million in equity, resulting in a capitalization level of 12.86%, which is excellent.

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